The Research On The Financial Subsidies Of Policy-oriented Agricultural Insurance In China

In China, the agriculture has been not only the fundamental industry of the national economy, but also the relatively weak industry, and its ability of resist the unsure disasters is very poor. During the processes of agricultural production and management, there are so many systematic and non-systematic risks without certainty. And the sustainable development of agriculture have to face with varieties of threatens. Our country has vast territory, and the species of planting and aquaculture in the agriculture are very rich. Because of the different natural disasters and accidents in different districts, we can not predict precisely and avoid them entirely. We must impress on agricultural insurance to solve this problem. The agricultural insurance plays an important role in guarantee the income, promoting the normal production and increasing the stability of agricultural development.So many practices of foreign and domestic about agricultural insurance show that the development of agricultural insurance can not be sustainable without support and financial subsidies from the government. We must set up the system of the policy-oriented agricultural insurance. Our countries’policy-oriented agricultural insurance system starts late and we just start in 2004. Although the importance of the financial subsides in agricultural insurance has been clear, there is no specific ideas about how to carry out the subsides. In this situation, we should study the problems of agricultural insurance and the differences between other countries and the specific thinking about how to carry out the subsides, which has great significance to promote the agricultural development of our country.In the thesis, firstly we analyzed the background, the meaning and the studies at home and abroad of financial subsidies of the policy-oriented agricultural insurance, and the innovation and inadequate about the thesis. Secondly we put forward the specific meaning of agricultural insurance. And we study the attribute of the agricultural insurance, the balance of the demand and the supply. Thirdly, according to the course of agricultural insurance’s development and the comparison of the four provinces, we conclude that there are many problems in the financial subsidies of the policy-oriented agricultural insurance. Such as the problems in the legal protection, in the subsidy standards, in the subsidy range and the catastrophe risk diversification mechanism. After that, from the comparison of the operation modes between America, Japan, France and Philippines, we get series of experience in financial subsidies of the policy-oriented agricultural insurance about our own country. In the end, we get specific ideas and measures about perfect the financial subsidies of the policy-oriented agricultural insurance.